Call reports 2008
NOVA BANK — 2008
What NOVA BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 497,071,000 | 520,134,000 | 519,832,000 | 541,438,000 |
| Total loans | 289,961,000 | 319,007,000 | 323,039,000 | 326,535,000 |
| Allowance for loan losses | 2,900,000 | 3,071,000 | 3,469,000 | 3,375,000 |
| Securities available for sale | 174,384,000 | 164,353,000 | 160,370,000 | 134,158,000 |
| Securities held to maturity | 0 | 0 | 0 | 34,223,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 337,241,000 | 365,679,000 | 373,982,000 | 406,302,000 |
| Interest-bearing deposits | 308,227,000 | 330,279,000 | 328,759,000 | 362,642,000 |
| Noninterest-bearing deposits | 29,014,000 | 35,400,000 | 45,223,000 | 43,661,000 |
| Equity capital | 29,402,000 | 25,288,000 | 31,002,000 | 25,278,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 7,428,000 | 14,864,000 | 22,689,000 | 30,219,000 |
| Interest expense | 4,541,000 | 8,954,000 | 13,462,000 | 17,948,000 |
| Net interest income | 2,887,000 | 5,910,000 | 9,227,000 | 12,271,000 |
| Noninterest income | 437,000 | 922,000 | 1,564,000 | 2,086,000 |
| Noninterest expense | 2,826,000 | 5,775,000 | 9,103,000 | 12,721,000 |
| Provision for loan losses | 151,000 | 367,000 | 767,000 | 2,273,000 |
| Pretax income | 375,000 | 718,000 | 949,000 | -4,672,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 375,000 | 718,000 | 949,000 | -4,672,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,258,000 | 31,726,000 | 34,097,000 | 31,213,000 |
| Total capital | 33,158,000 | 34,797,000 | 37,566,000 | 34,588,000 |
| Risk-weighted assets | 317,357,000 | 354,071,000 | 362,601,000 | 366,460,000 |
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